It is becoming more and more common these days for people to buy temporary car insurance  as opposed to a 12 month insurance plan.

Since people have much less disposable income these days, this type of temporary insurance offers a realistic alternative to paying out much more for a long term plan.

The amount quoted for Temporary car insurance  can differ broadly.

Depending on the car you want to drive and your personal circumstances such as claims history, address, age etc, this will dictate your premium.

 There are many people who need cover for just a few days while they’re changing cars, or need to borrow a car at short notice.

 

A major problem for lots of people is leaving it until the last minute to buy the temp car insurance and just accepting the first quote they get. You should make some enquiries now, when you don’t need it so you have an idea of the costs involved for when you do need it.

 

You can get temporary cover for a number of days ranging from just one day up to 28 days.  Young people can use this type of insurance if they only need to drive a car for a short trip, or for a vacation for example.

Insurance for young people and teenagers can be very expensive, sometimes exceeding the cost of the actual car.  Not many can afford these high premiums as they are still in full time education, or work in low paid jobs.  In these cases, temporary car insurance can offer these people a life line.

There’s more chance of a young person being able to make the payments on one of these temporary car insurance plans which gives them the mobility they seek.

This means they can get temp car insurance for 3 or 4 weeks at a fraction of the price of an annual policy.

 

There is a large number of insurance companies that specialise in offering temporary car insurance, in particular to people in high risk categories.

Although it can cost a bit more for this type of insurance, at least it allows the driver to drive their car legally.

One of the factors that has contributed to the rise in insurance premiums for temporary car insurance, is the increase in fraudulent claims.

There is no doubt that if full long term insurance is out of your range, temporary insurance could be the answer.  Not only does it enable you to drive legally, but it helps you build up a better driving history which will reduce your costs in the long term.

To read more advice on why you need temporary car insurance visit our website.  We also have some great temp car insurance resources on our Squidoo Lens.

Tags: , , , , , ,

Filed under: Cool Stuff

Like this post? Subscribe to my RSS feed and get loads more!